Experience Exclusivity with IDFC Diamond Reserve Savings Account

The Diamond Reserve Savings Account is a premium savings account offered by IDFC First Bank, available only by invitation to exclusive members. This is designed for members seeking exclusivity. If someone receives an invitation and their financial needs align with the bank’s offers, this account can be a wise choice.

Customers can enjoy zero-fee banking on all savings account services with their IDFC Bank savings account- whether it’s fund transfer, ATM withdrawals, Demand Drafts, Cheque books, or more. Every savings account comes with zero-fee banking to keep customers’ experience simple, transparent, and stress-free. Customers can also earn up to 7% p.a interest on their savings account.

Diamond Reserve Debit Card

The IDFC FIRST Diamond Reserve Savings Account is an invitation-only premium banking tier that includes a dedicated Diamond Reserve Debit Card.

0 Forex Markup Fee

The cardholder can enjoy foreign transactions with zero foreign exchange markup, including shopping, dining, and travel, with no markup charges.

High Transaction Limits

The cardholders will have a daily cash withdrawal limit of ₹7 lakh and a daily purchase limit of ₹12 lakh.

Travel & Airport Perks

The user will also enjoy 3 complimentary domestic airport lounge visits per quarter.

Golf Benefits

• 1 complimentary golf lesson per month.
• 4 complimentary rounds of green fees per year at premium courses in India.

Vehicle & Emergency Assistance

• 4 complimentary 24/7 Roadside Assistance services per year.
• Includes towing, battery jump-start, and flat tire assistance.

Insurance Coverage

Through the Diamond Reserve Savings Debit Card, the cardholders can get personal accident coverage of ₹1 Crore, air accident coverage of ₹2.5 Crore, lost card liability coverage of  ₹2.5 Crore, and protection against phishing and fraud. Users will receive cyber insurance of ₹5 Lakh and purchase protection of ₹1 Lakh.

Roadside Assistance

Cardholders can enjoy 4 complimentary services every year, available 24/7, so they can drive freely and never be stranded alone in the event of a breakdown.

Complimentary Diamond Reserve Credit Card

The Diamond Reserve Savings Account also offers a complimentary credit card that provides excellent offers and reward points for customers. If customers are looking for a premium card, this card is the one. The credit card comes with a joining fee of ₹3,000 + GST and an annual fee of ₹3,000 + GST, which will be waived after annual spending of ₹6 lakh.

The cardholder can save internationally as this card offers zero forex markup. Every time the cardholder makes an international purchase, there will be no interest fee. The cardholder can enjoy up to 2 complimentary airport lounge visits per quarter at participating lounges in India and up to 2 complimentary visits per quarter at select international lounges. Cardholders can avail one complimentary round or lesson on spends of ₹20,000, and a second complimentary round or lesson on spends of ₹40,000 or more in the same billing cycle.

Diamond Reserve Credit Card – Rewards Program

• Earn 10 reward points on eligible incremental spends above ₹20,000 in a monthly statement cycle.
• Earn 3 reward points on eligible spends up to ₹20,000 in a monthly statement cycle.
• Reward points are earned per ₹150 spent on eligible transactions.
• 1 reward point = ₹0.25

Bottom Line

The IDFC FIRST Bank Diamond Reserve Savings Account is an ultra-premium, invitation-only offering for customers seeking exclusivity, convenience, and comprehensive benefits within a single banking relationship.

The Diamond Reserve Debit Card further elevates the experience through zero forex markup, high transaction limits, luxury travel perks, golf privileges, and extensive insurance coverage, making it ideal for individuals with an active, global lifestyle.

The Diamond Reserve Savings Account is a premium experience for invited customers whose financial needs and lifestyle align with these offerings. If the customer has an active lifestyle and spends globally, this card is a wise choice.